San Jose is located in Silicon Valley, the center of the technology world. This city hosts more than 7,000 startups and tech companies – truly countless opportunities for young professionals. As a result it’s one of the most educated cities in the US – more than 50% of adults have college degrees. San Jose also recycles more than any other American city, has sunny weather 300 days a week, and was named the third safest city in the country. Sounds perfect to you? Hurry up and pack your bags!

There are very few downsides to living in San Jose – well besides the high costs of living. It’s understandable that you want to cut back on additional spending when your monthly rent is already so high, but you shouldn’t try to save money by skipping renters insurance. Doing that could cost you way more in the end.

Looking for a quote? Get a quote for renters insurance in San Jose in 2 minutes on Bungalow. No one makes it easier! Not convinced you need renters insurance in San Jose? Read on to learn why you probably do!

Why you need renters insurance in San Jose

Could you afford to replace all your stuff if your apartment burned down or was swept away in a storm? Renters insurance covers both cases – and much less dramatic ones!

Also keep in mind that San Jose, despite all of its cultural appeal, still has crime like any large city. Renters insurance will protect you from theft and vandalism. By the way, renters insurance also covers volcano eruptions (!), so if those dormant volcanoes at Sibley Volcanic Regional Preserve suddenly show any signs of life, renters in San Jose shouldn’t have any reason to worry – so long as they purchased renters insurance. Don’t believe us? Check out why the New York Times recommends purchasing renters insurance.

Additionally, many landlords now require that renters buy insurance in San Jose. This helps both the landlord and the renter!

If your landlord already has insurance, do you need to buy renters insurance in San Jose?

Your landlord’s insurance only covers the building you live in, not your belongings inside. That’s what renters insurance is for! Can you imagine buying new furniture, laptops, and clothes out of your pocket if your apartment burns down? For just a few dollars per month, renters insurance will replace your belongings if they are lost or damaged.

What else does renters insurance cover besides my property?

Renters insurance also has the following coverages:

Personal Liability – This will help cover your costs if you accidentally hurt someone or someone’s property and get sued as a result. A typical amount is $300,000.

Medical Coverage – This will help pay for medical expenses if someone is hurt on your property. Insurance companies provide this to help avoid lawsuits. A typical amount is $3,000.

Loss of Use – This will pay for a hotel or somewhere else for you to stay if you something happens to your apartment. A typical amount of coverage is $5,000.

With all these coverages, it’s no wonder that US News says you can’t afford to skip buying renters insurance.

Is renters insurance expensive or hard to buy?

Hopefully by now, you would agree that renters in San Jose should have renters insurance. So what’s stopping you? Many people think that renters insurance is too expensive. Luckily for you, that’s just a common misconception. Renters insurance in San Jose typically costs $15-$25 dollars per month. Most people will spend that much at Philz Coffee this month. Not so bad, huh?

What else? Getting renters insurance is boring and complicated, you say. Well, here you got me. Generally, getting renters insurance is a somewhat tedious process. With most companies you’ll my have to speak to an agent over the phone or in person. But that is exactly why we created Bungalow – to make buying renters insurance quick and easy, right online.

Now you have no excuses stopping you from getting a renters insurance. Get a free quote today 

If you have additional questions about renters insurance, check out our more comprehensive Millennial’s Guide to the Best Renters Insurance